BRAVO® AGREEMENT (RETAIL INSTALLMENT CREDIT AGREEMENT) PART 2 OF 2

SECTION 11 OF THIS AGREEMENT IS AN ARBITRATION PROVISION, WHICH WILL APPLY UNLESS YOU ARE ELIGIBLE TO RECEIVE BENEFITS UNDER THE MILITARY LENDING ACT BY BEING A COVERED MEMBER OF MILITARY PERSONNEL, SPOUSE, OR LEGAL DEPENDENT OF A COVERED MEMBER OF MILITARY PERSONNEL AT THE TIME YOU OPEN THIS ACCOUNT, OR UNLESS YOU HAVE REJECTED OR PROMPTLY REJECT THE ARBITRATION PROVISION (SEE SECTION 11[N]), THE ARBITRATION PROVISION WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE. FOR EXAMPLE, YOU WILL NOT BE ABLE TO BRING OR PARTICIPATE IN ANY CLASS PROCEEDING SUBJECT TO ARBITRATION. 1. General; Certain Definitions. This Agreement governs the terms of your credit card or other access device or number (the “Card”) issued by Santander Bank, N.A., a national bank headquartered in Delaware (the “Bank”), and the related account (the “Account”). As used in this Agreement, the words “we,” “us,” and “our” mean the Bank, the Bank’s successors and assigns, and, for purposes of the Arbitration Provision (Section 11), the other persons identified in the Arbitration Provision. “Our Notice Address” means Credit Card Inquiries, MA1-MB3-01-09, P.O. Box 841002, , MA 02284 or such other address as we subsequently specify by notice to you. The words “you,” “your,” “yours,” and “Cardholder” mean each and every person liable as a holder of the Card. We are delivering this Agreement to you with the Card and a carrier for the Card (the “Card Carrier”). The Card Carrier and its contents are part of this Agreement, and this Agreement is dated as of the date of the Card Carrier. You should retain and carefully review this entire Agreement and you should sign your Card before using it. You and we agree that we are legally bound to the terms of this Agreement set forth below and that we may change the terms of this Agreement by giving notice as required by law. By using your account, you: (1) Acknowledge that you have reviewed the Details of Rate, Fee, and Other Cost Information and everything you have provided or stated in the accompanying application is true; (2) agree to use your credit card subject to those Rate, Fee, and Other Cost Information conditions and agree to pay all charges incurred under such terms and that this submission shall constitute your written signature for your account agreement; (3) authorize Santander Bank, N.A. (“us” or “our”) to obtain and review your credit and employment histories and any other information we or our affiliates have about you to determine your ability to pay, as required by Federal Law in order to verify your identity, service your account, and manage our relationship with you. You agree that on a periodic basis your account may be considered for automatic upgrade at our discretion; (4) agree that only a portion of your total credit line will be available for Cash Advances and that cash advances through ATM machines will be limited to $500 per day; (5) consent to us sharing information about you, your account, and your credit history with others, to the extent permitted by law and authorize us or any of our affiliates to monitor and/or record any of your phone conversations with our representatives; (6) agree to be bound by the terms and conditions of the Credit Card Agreement that you receive with the card. 2. Purchases, Cash Advances, and Balance Transfers. You may use your Account to purchase or lease goods or services (each such transaction, a “Purchase”) by presenting your Card or providing your Card number or access code and additional information to participating merchants and establishments that honor the Card. You may also receive “Cash Advances” on your Account: (a) to obtain cash or cash-like equivalents (for example, money orders, traveler’s checks, stamps, or other instruments convertible into cash) from any bank or other person that accepts the Card for such purpose; (b) to make a withdrawal of cash from an (“ATM”); (c) to make a person-to-person transfer conducted through the Internet or otherwise (unless we tell you we will treat the transfer as a Purchase); (d) to transfer funds into a you have with us (an “Account Transfer”); (e) to cash or make a payment using any check we provide to access the Account (a “Convenience Check”); and/or (f) to obtain a “Balance Transfer” by writing a Convenience Check to pay an existing credit account with another party or by using other procedures we establish for making a Balance Transfer. Balance transfers have their own Annual Percentage Rate (“APR”) as stated in Part 1 of this Agreement unless we state otherwise with the particular offer. If a Balance Transfer or Convenience Check is presented to us after its expiration date, we will treat it as a Cash Advance request at the cash advance rate for a period of 30 days and then we will no longer honor the request. We are only obligated to make a Balance Transfer via a method other than you writing a Balance Transfer Check if that creditor accepts such other payment method. All Purchases, Cash Advances, and Balance Transfers are subject to credit availability. Purchases and Cash Advances (including Account Transfers and Balance Transfers) are collectively referred to as “Transactions.” We will not be liable to you (or anyone else) if any ATM, merchant, or other person cannot or will not process a Transaction permitted under this Agreement. Unless prohibited by applicable law, we may from time to time limit the type, number, and dollar amount of any Transaction, even if you have sufficient available credit to complete the Transaction, and may terminate or suspend your use of the Card or the Account, with or without notice to you before or at the time we take such action. We will not stop payment on any Convenience Check. Any amount as cash back over the purchase amount will be treated as a purchase at the merchant where done. 3. Prohibited Uses of Account. You agree that you will only use the Account for personal, family, and household purposes and will not use the Account for any unlawful purpose or to engage in or facilitate Internet gambling. However, if you do, you will still be liable to us with respect to such Transactions. If you authorize or allow any other person to use your Account (an “Authorized User”), either by requesting additional cards or by voluntarily providing your Card and/or related Personal Identification Number (PIN) to any other person, to the extent permitted by applicable law, such authorization will be deemed to extend to all Transactions by such Authorized User, and will continue until you have taken all steps necessary to prevent any further use of the Account by such Authorized User and/or have advised us that such Authorized User is no longer authorized to use the Account. You agree to pay for all charges incurred by any Authorized User, even if you did not intend to be responsible for those charges. 4. Credit Line; Transaction Limits. Your Credit Line will be shown each month on your monthly statement. We are not required to honor any Transaction if, immediately after the Transaction, the outstanding balance of your Account would exceed your Credit Line. We may establish a separate limit on the total amount of outstanding Cash Advances at any time (“Cash Credit Limit”). The Cash Credit Limit will be inclusive of all fees to initiate that Cash Advance. When you make any payment, we may delay increasing your available credit until the payment has cleared. We may decrease your Credit Line or Cash Credit Limit, suspend or terminate your credit privileges, limit the number or dollar amount of Transactions that can be charged to your Account or close your Account at any time, with or without prior notice, subject to any limitations under applicable law. We will promptly notify you in writing if we take any such action except if your Account is closed due to inactivity. We may increase your Credit Line or Cash Credit Limit at any time or from time to time, whether or not you request an increase, provided that any increase will be subject to our underwriting approval in our absolute discretion and you agree that any such increase shall also be subject to the terms of this Agreement. You agree to provide us from time to time with any financial or other information we reasonably request and authorize us to verify financial or other information about you, including obtaining credit bureau reports, to determine your appropriate Credit Line and Cash Credit Limit. 385201_1799622 BC_AGR 03/2020 5. Interest Charges. (c) Balance Transfer Fee. Unless otherwise stated in the promotional offer or in Part 1 of this Agreement in the Balance Transfer Fee Section, for each Balance Transfer, we charge a Balance Transfer Fee of 3% of the amount of the Balance Transfer or $10, whichever is greater. (a) General. Each billing cycle, we separately determine the interest charges on Purchases, Cash Advances, Balance Transfers, and each separate kind of promotional or grandfathered balance (collectively each a “Balance Type”). For each such “Balance Type,” we determine interest charges as (d) Foreign Transaction Fee. If you make a Purchase or obtain a Cash Advance from a merchant or financial institution outside the 50 United States, described below. You authorize us to use other formulas or methods to calculate interest that produce equivalent results and to round interest charges to the District of Columbia, or Puerto Rico, then we charge a Foreign Transaction Fee equal to 3% of the gross amount of the Transaction in U.S. Currency the nearest cent. For purposes of computing interest charges, Cash Advance Fees are treated as Cash Advances, Balance Transfer Fees are treated as (except for cash advances from Santander ATMs in Mexico). We charge this fee even if the Transaction is denominated in U.S. Dollars. The foreign Balance Transfers, and all other Fees are treated as Purchases. merchant or financial institution may charge a separate fee. If theTransaction was made in a foreign currency, the Transaction will be converted into a U.S. dollar amount by Mastercard® or the foreign merchant or financial institution in accordance with its operating regulations or conversion procedures at (b) Interest Rates. Your interest rates are disclosed in tabular format that is Part 1 of 2 of this Agreement. The daily periodic rate equals the APR the time the Transaction is processed. We do not make the currency conversions ourselves. divided by 365, rounded to the nearest 1/10,000th of 1%. We may charge an introductory or promotional interest rate (which could be as low as 0% APR), and we may charge interest based on an index of our choice. If you have an introductory or promotional rate and you default on your Account or fail to (e) Late Fee. Each time we do not receive the Minimum Payment Due in full by the Payment Due Date, we will charge you a Late Fee of $25 for the make payments when due, you may lose the introductory or promotional rate and the regular rate may apply to the extent permitted by applicable law. first late fee in a 6-month period and a $35 fee for each late payment until there are 6 consecutive months with no late payments. However, we will never charge a Late Fee exceeding the Minimum Payment Due that is late. (c) Variable Rates. For any rate based on the “Prime Rate,” we calculate the Prime Rate as follows: each billing cycle, the “Prime Rate” is determined as of the first day of the calendar month in which the billing cycle begins (the “Determination Date”).The Prime Rate is the highest U.S. Prime (f) NSF Fee. Each time that a check or other request drawn against your Account (except for convenience checks we send to you) is returned unpaid Rate published in the “Money Rates” section of The Wall Street Journal on the Determination Date (or if The Wall Street Journal does not publish such as it would exceed your limit or is otherwise improperly completed, or a check, instrument, or other payment on your Account is returned to us unpaid for rate on such day, the previous day, and the day previous to that and so on if it does not publish such rate until the date such a rate has been published). any reason, or we must return any payment check or instrument you send us because it is not signed or is otherwise incomplete, we will charge you a (If The Wall Street Journal stops publishing the U.S. Prime Rate in its “Money Rates” section, then we may substitute another index and margin, in our Returned Payment Fee of $25 for the first time in a 6-month period; $35 for each subsequent returned payment until there are 6 consecutive months with sole discretion, subject to any notice and other requirements of applicable law). Each billing cycle, the variable APR will equal the Prime Rate as of the no returned payments. However, we will not charge a Returned Payment Fee if we are charging a Late Fee with respect to the same Minimum Payment most recent Determination Date plus the applicable amount (“margin”), and this sum is then multiplied by 365/360. If and when the APR for a Balance Due and will not charge a Returned Payment Fee exceeding the related Minimum Payment Due. For Convenience and Balance Transfer Check returns, Type increases, more interest charges accrue and the minimum payment may increase. If and when the APR decreases, less interest charges accrue we charge $25. and the minimum payment may decrease. (g) Additional Fees. If you request a special service—for example, if you ask to have a customer service representative of ours process a payment (d) Balance Subject to Interest Rate – Purchases. 1) We take the prior cycle’s ending balance for that Balance Type and multiply it by the number by phone on an expedited basis—we may charge a fee (e.g., $15 per expedited phone payment) for such service in accordance with applicable law. We of days in the current cycle plus one and multiply that figure by the applicable daily periodic rate. 2) Each day in the current cycle that there is new will tell you the fee in advance and it will be your option whether or not to accept that service and fee. activity for that Balance Type (a Purchase, fee, or debit adjustment), we multiply the sum of that day’s new activity by the number of days remaining 7. Rewards. The terms of the Rewards Program are subject to change in the future. Unless there is a temporary reward points bonus offer, and subject to in the current cycle and multiply that result by the applicable daily periodic rate. A Purchase is “new activity” as of the transaction date, unless it has a any such offers, you will earn 3 reward points for each dollar spent on Purchases that are classified by the card networks as the gas station, supermarket, transaction date in the prior cycle but a posting date within the current cycle (a Pre-Cycle Purchase), in which case it is “new activity” as of the first day of and restaurant categories, and 1 reward point for each dollar spent on other Purchases on your Account. There is a limit of 15,000 points that can be the current cycle. 3) Each day that there is a new payment, credit, or credit adjustment applicable to that Balance Type, we multiply the sum of that day’s earned in each calendar quarter in the 3-point reward categories. After 15,000 points, you will earn 1 reward point for each dollar spent on Purchases in new credit activity by the number of days remaining in the current cycle; and multiply that result by the applicable daily periodic rate. 4) We subtract the those categories until the beginning of the next calendar quarter. Balance Transfers, Cash Advances, including Purchases of money orders or other cash figures derived in step 3 from the sum of the figures derived in steps 1 and 2. If the result is a positive number, unless a grace period applies, this is the equivalents, Purchases made by or for a business or for a business purpose, fees, interest charges, unauthorized/fraudulent transactions, and certain interest charge that we add to this Balance Type for the current cycle. If the result is a negative number, we disregard it. other charges do not earn points unless a promotional offer specifically states they do. You may not redeem any reward points previously earned until (e) Balance Subject to Interest Rate – Balance Transfers or Cash Advances. To calculate the interest for each Balance Type for Balance Transfers or your Account has been returned to good standing. If you close your Account or your Account becomes severely delinquent, at 180 days past due you will Cash Advances: 1) We take the prior cycle’s ending balance for that Balance Type and multiply it by the number of days in the current cycle plus one and forfeit all reward points. See the details about your rewards program in the supplemental materials that are provided with your Account. multiply that figure by the applicable daily periodic rate. 2) Each day in the current cycle that there is new activity for that BalanceType (a transaction, 8. Monthly Statements. We will send you monthly statements if and when required by applicable law. Your monthly statements will show, among other fee or debit adjustment), we multiply the sum of that day’s new activity by the number of days remaining in the current cycle and multiply that result by matters: Transactions; payments, credits, and adjustments; interest charges and fees; the Previous Balance and New Balance on your Account; your the applicable daily periodic rate. 3) With regard to Pre-Cycle Balance Transfers or Cash Advances (a Pre-Cycle Balance Transfer or Cash Advance is a Credit Limit and Available Credit; and the Minimum Payment Due and Payment Due Date. transaction with a transaction date in the prior cycle but with a posting date within the current cycle), each day that there is new activity of that type, we multiply the sum of that day’s new pre-cycle activity by the number of days from the transaction date through the end of the current cycle and multiply the 9. Payments. result by the applicable current cycle daily periodic rate. 4) Each day that there is a new payment, credit or credit adjustment applicable to that Balance (a) Each month you must pay at least the Minimum Payment shown on your monthly statement by the Payment Due Date. The Payment Due Date Type, we multiply the sum of that day’s new credit activity by the number of days remaining in the current cycle; and multiply that result by the applicable will be at least 21 days from mailing of the statement, on the same day of each calendar month. If the Payment Due Date falls on a day we do not receive daily periodic rate. 5) We subtract the figures derived in step 4 from the sum of the figures derived in steps 1, 2, and 3. If the result is a positive number, mail (a “non-business day”), we will not treat your payment as late for any purpose if we receive it by the Cut-Off Time on the next day we receive mail (a this is the interest charge that we add to this Balance Type for the current cycle. If the result is a negative number, we disregard it. “business day”). The Cut-Off Time is 5:00 p.m. Eastern Time (or closing time of any retail office of ours you use to make payment in person to one of our (f) Grace Period. If you pay your New Balance by the Payment Due Date shown on that statement, you are a Transactor and we will not charge any employees). Payments made online or by phone will be credited as of the date of receipt if made by 5:00 p.m. Eastern Time. additional interest on that balance, nor on the new Purchases made during the cycle in which you pay in full. If you do not pay the New Balance in full in (b) If the total outstanding balance under your Account at the end of a billing cycle, as shown on your monthly statement (the “New Balance”), is less any given cycle by the Payment Due Date shown on the statement with that New Balance, you become a Revolver and will remain one until you pay the than $25, the Minimum Payment Due equals the New Balance. Otherwise, the Minimum Payment Due equals the sum of: (i) any amount past due; entire New Balance from a new monthly statement in full by that statement’s Payment Due Date. If you were a Transactor in the prior cycle but become and (ii) the greater of (a) $25 or (b) 1% of the New Balance (minus penalty fees and interest accrued in the current billing period) plus any penalty fees a Revolver in the current cycle, we did not charge interest on the prior month’s new Purchases from the date of the transaction through to the end of and interest incurred in the current billing period, with such sum rounded down to the nearest dollar. that cycle, but we will charge interest on those Purchases starting from the first day of the current cycle and any new Purchases starting from the date of transaction. However, if you made a payment in this cycle by the Payment Due Date from the prior cycle, we credit that payment as of the first day of (c) You agree to make all payments by check or other negotiable instrument drawn on a financial institution located in the U.S. or by money order the current cycle. If, in the current cycle, you make a payment on the prior cycle’s balance after the Payment Due Date from that cycle, we will credit it as or by some other method we expressly permit. Payments must be made in U.S. dollars. All payments, except disputed payments, must be mailed or of the date made. If you were a Revolver in the prior cycle and remained a Revolver in the current cycle, we will charge interest on the previous cycle’s delivered to us at the payment address shown on the front of your monthly statement (the “Payment Address”) or must be given to us in person at one of balance from the first day of this cycle and any new Purchases from the transaction date in this cycle. There is no grace period on Balance Transfers our branches. Any payments received after the Cut-Off Time on a business day will be credited on the next business day. However, credit to your Account or Cash Advances because interest accrues from the date of the transaction. Also if you take a Balance Transfer offer, this means that unless may be delayed for up to 5 days if we accept a payment that is: (i) not received by mail or messenger service at the Payment Address or in person to one your Purchase APR is at an introductory or promotional 0% APR, you will pay interest on new Purchases from the date made if you do not pay of our employees at one of our retail branch offices; (ii) not made in U.S. dollars by a check or other negotiable instrument drawn on a financial institution all balances, including the promotional Balance Transfer, in full by the next payment due date appearing on your statement. located in the U.S. or by money order; or (iii) not accompanied by the return portion of your monthly statement. Delayed crediting may cause you to incur additional fees and interest charges, subject to applicable law. (g) Interest Accrual Periods. On each new Balance Transfer or Cash Advance, we start charging interest charges from the date of the Transaction; Balance Transfers or Cash Advances from previous billing cycles accrue interest beginning on the first day of the billing cycle. On each Purchase: (i) If (d) Subject to applicable law, we may apply payments and other credits to your Account in any manner we choose in our sole discretion. For you get a grace period for the billing cycle in which the Purchase is posted to the Account (the “Purchase Cycle”) and for the next billing cycle (the “Next payments up to the Minimum Payment Due, we typically apply payments based on the APR of different Balance Types, first to the lowest APR, next to Cycle”), we charge no interest charges at all. (ii) If you get a grace period for the Purchase Cycle but not for the Next Cycle, we start charging interest the next-lowest APR and so on. For payments in excess of the Minimum Payment Due, we apply payments in the reverse order, first to Balances Types charges from the first day of the Next Cycle. (iii) If you do not get a grace period for the Purchase Cycle, we charge interest charges from the later of the with the highest APR. date of the Purchase or the first day of the billing cycle in which it is posted to yourAccount. (e) At any time, you may pay all or any part of your outstanding Account balance. Payment of more than the Minimum Payment Due in one (h) Classification of Fees as Purchases or Cash Advances. For purposes of computing interest charges, Cash Advance Fees are treated as Cash billing cycle will not relieve you of the obligation to pay the entire Minimum Payment Due in subsequent billing cycles. Advances and all other Fees are treated as Purchases. (f) Notice About Electronic Check Conversion: When you pay by check, you authorize us either to use information from your check to make a 6. Fees. You agree to pay the following fees, provided that you never need to pay any fee that is not permitted by applicable law, including the federal one-time electronic fund transfer from your Account or to process the payment as a check transaction. When we use information from your check to Truth in Lending Act and Regulation Z, nor any fee listed below if you are eligible to receive benefits under the Military Lending Act by being a covered make an electronic fund transfer, funds may be withdrawn from your Account as soon as the same day we receive your payment and you will not receive member of military personnel, spouse, or legal dependent of a covered member of military personnel at the time you open this account: your check back from your financial institution. (a) Annual Fee. $0 Introductory annual fee for the first year of the account. $49 per year thereafter billed to your account on the anniversary date of 10. Default. Subject to applicable law, we may declare you to be in default under this Agreement if any one or more of the following events occurs: (a) your account opening. We will refund the Annual Fee if you notify us that you are closing your account within 30 days of the mailing or delivery date of the you fail to pay any Minimum Payment Due on or before your Payment Due Date; (b) you exceed your Credit Limit or Cash Credit Limit; (c) you use a statement on which the fee appears. Otherwise, we will not refund any part of the fee if you cancel or close the account or default on your Account. check or instrument for payment which is dishonored; (d) you die or are declared legally incompetent; (e) any other creditor tries by legal process to take money of yours in our possession; (f) a petition is filed or other proceeding is commenced by or against you under the Federal Bankruptcy Code or any (b) Cash Advance Fee. For each Cash Advance that is not a Balance Transfer, we will charge a Cash Advance Fee equal to 5% of the amount of the other applicable federal or state insolvency laws; (g) you become generally unable to pay your debts or pay less than otherwise amount required due to Cash Advance or $10, whichever is greater. working with credit counseling or debt settlement organizations; (h) you provide us with any false or misleading information; (i) you breach any of your other obligations under this Agreement; or (j) you are in default of any other unsecured agreement you have with us or any of our affiliates. 2 3 Our Rights Upon Default. Upon any default, we may take any of the following actions, subject to applicable law (including any applicable notice individual lawsuit under applicable substantive law, including, without limitation, compensatory, statutory, and punitive damages (which shall be governed requirement and/or right to cure) or our agreement to forbear action: (a) either declare all or any portion of your outstanding Account Balance to be by the constitutional standards applicable in judicial proceedings), declaratory, injunctive and other equitable relief, and attorneys’ fees and costs. Upon immediately due and payable or, without waiving any rights, allow you to repay your Account Balance by paying the Minimum Payment Due each billing the timely request of either party, the arbitrator shall write a brief explanation of the basis of his or her award. The arbitrator will follow rules of procedure cycle; (b) terminate or suspend your Account privileges and/or cancel your Card; (c) reduce your Credit Limit and/or Cash Credit Limit or otherwise limit and evidence consistent with the FAA, this Arbitration Provision, and the Administrator’s rules. your ability to make Transactions; (d) we many end your introductory APR or promotional rate offers, if any, and apply your regular APR to your account (j) Survival, Severability, Primacy. This Arbitration Provision shall survive the termination of this Agreement, your fulfillment or default of your and all balances as allowed by law; or (e) commence an action against you to collect all amounts owed in connection with this Agreement. We also may obligations under this Agreement and/or your or our bankruptcy or insolvency (to the extent permitted by applicable law). In the event of any conflict or charge you court costs and reasonable attorneys’ fees that we actually incur, as permitted by applicable law, if your Account is sent for collection to an inconsistency between this Arbitration Provision and the Administrator’s rules or this Agreement, this Arbitration Provision will govern. If any portion of this attorney who is not our salaried employee. You understand and agree that, subject to applicable law, if you are in default under this Agreement, Arbitration Provision, other than the Class Action Waiver, is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. we or any agent of ours may make collection calls to your home or cell phone numbers that you provided to us and you grant permission to If a determination is made with respect to any Claim that the Class Action Waiver is unenforceable, only this sentence of the Arbitration Provision will use an automatic dialer and/or prerecorded messages with respect to such calls, even if the message is left on an answering machine. You remain in force and the remaining provisions shall be null and void, provided that the determination concerning the Class Action Waiver shall be subject agree that such calls will not be considered “unsolicited” calls or telemarketing calls for purposes of state or federal law. to appeal. 11. Arbitration Provision. Unless you are eligible to receive benefits under the Military LendingAct by being a covered member of military (k) Amendment/Termination. Notwithstanding any provision of this Agreement to the contrary, we will not amend this Arbitration Provision in personnel, spouse, or legal dependent of a covered member of military personnel at the time you open this Account, OR unless you have a manner that adversely affects your rights or responsibilities in a material manner unless we give you a right to reject the amendment and/or the exercised or exercise your right to reject arbitration under subsection (n) below, the following Arbitration Provision will apply: Arbitration Provision in its entirety. (a) General: Either you or we may elect to arbitrate or require the other party to arbitrate any Claim (as defined below) under the following terms and (l) Notice and Cure. Prior to initiating a lawsuit or arbitration regarding a legal dispute or claim relating in any way to this Agreement conditions. If you or we elect to arbitrate a Claim, neither you nor we will have the right to: (i) have a court or a jury decide the Claim; (ii) participate in a (as more fully defined in the Arbitration Provision, a “Claim”), the party asserting the Claim (the “Claimant”) shall give the other party (the class action in court or in arbitration, either as a class representative or a class member; (iii) act as a private attorney general in court or in arbitration; “Defending Party”) written notice of the Claim (a “Claim Notice”) and a reasonable opportunity, not less than 30 days, to resolve the Claim on or (iv) join or consolidate your Claim(s) with claims of any other person. The right to appeal and the right to pre-arbitration discovery are more limited in an individual basis. Any Claim Notice to you shall be sent in writing by mail to the address for you maintained in our records. Any collection arbitration than in court. Other rights that you would have if you went to court may also not be available in arbitration. letter we send to this address shall be deemed to be a Claim Notice. Any Claim Notice to us shall be sent by mail to us at Credit Card Inquiries, (b) Definitions: The following definitions apply to this Arbitration Provision, even if terms defined in this Arbitration Provision are defined differently MA1-MB3-01-09, P.O. Box 841002, Boston, MA 02284, Attn: Legal Claim (or such other address as we subsequently provide you). Any Claim elsewhere in this Agreement: Notice you send must provide your Account Number and telephone number. Any Claim Notice must explain the nature of the Claim and the relief that is demanded. The Claimant must reasonably cooperate in providing any information about the Claim that the Defending Party (i) “We,” “us,” and “our” mean the Bank, together with any subsequent holder of this Agreement. Also, these terms include the parents, reasonably requests. subsidiaries, affiliates, and successors of such companies, as well as the officers, directors, agents, and employees of any of the foregoing.These terms also include any party named as a co-defendant with us in a Claim asserted by you, such as marketing companies, credit bureaus, credit (m) Special Payment: If (i) you submit a Claim Notice on your own behalf (and not on behalf of any other party) in accordance with subsection (l), companies, credit card servicers, and debt collectors. “You,” “your,” and “yours” include each and every Cardholder or Authorized User. captioned “Notice and Cure” (including the timing requirements thereof); (ii) we refuse to provide you with the relief you request; and (iii) an arbitrator subsequently determines that you were entitled to such relief (or greater relief), the arbitrator shall award you at least $7,500 in addition to the attorney, (ii) “Administrator” means the American Arbitration Association (“AAA”), 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org, witness, and expert fees and costs to which you are entitled. 800-778-7879; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, 800-352-5267; or any other company selected by mutual agreement of the parties. If both AAA and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the (n) YOUR RIGHT TO OPT OUT. If you do not want this Arbitration Provision to apply to your Account, you may opt out by sending us Administrator will be selected by a court. The party initiating an arbitration selects the Administrator. Notwithstanding any language in this Arbitration written notice of your decision within thirty (30) days of the opening of your Account. Such notice must clearly state that you wish to cancel or Provision to the contrary, no arbitration may be administered, without the consent of all parties to the arbitration, by any Administrator that has in place opt out of the Arbitration Provision section of the Account Agreement. It should include your name, address, Account name, Account number, a formal or informal policy that would purport to override subsection (d) below, captioned “No Class Actions” (the “Class Action Waiver”). and your signature and must be mailed to: Santander Bank, Attn: Court Order Processing, Mail code: MA1-MB3-01-21, 2 Morrissey Boulevard, Dorchester, MA 02125. (iii) “Claim” means any claim, dispute, or controversy between you and us that in any way arises from or relates to this Agreement or the Account, including disputes arising from actions or omissions prior to the date of this Agreement. “Claim” has the broadest reasonable meaning, and This is the sole and only method by which you can opt out of this Arbitration Provision. Your exercise of the right to opt out will not affect includes initial claims, counterclaims, cross-claims, and third-party claims. It includes disputes based upon contract, tort, consumer rights, fraud and other any remaining terms of this Account Agreement and will not result in any adverse consequence to you or your Account. You agree that our intentional torts, constitution, statute, regulation, ordinance, common law, and equity (including any claim for injunctive or declaratory relief). However, business records will be final and conclusive evidence with respect to whether you cancelled or opted out of this arbitration agreement in a it does not include disputes about the validity, enforceability, coverage, or scope of this Arbitration Agreement or any part thereof (including, without timely and proper fashion. limitation, the Class Action Waiver, the final sentence in subsection (j) under the caption “Survival, Severability, Primacy” and/or this sentence); all such 12. Miscellaneous disputes are for a court and not an arbitrator to decide. However, any dispute or argument that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator, not a court, to decide. (a) Changes to this Agreement. Subject to the Arbitration Provision and applicable law, including the Truth in Lending Act and Regulation Z: (i) You agree that we may, in our sole discretion, from time to time change any of the terms and conditions of, or add new terms and conditions to, this (c) Starting or Demanding Arbitration. To start an arbitration, the Claimant must commence the arbitration in accordance with the Administrator’s Agreement, including changing the formula used to compute interest charges or increasing or adding Fees. (ii) Any such changes will generally be rules. To require arbitration of a Claim, the Defending Party must give the Claimant a written demand for arbitration. This demand may be given after a effective immediately unless we are required by applicable law or elect, in our discretion, to provide you with advance written notice of the changes lawsuit has been filed and may be given in papers or motions in the lawsuit. If an arbitration is commenced or an arbitration demand is given, the Claim (and/or the reasons for the changes), afford you the right to reject the change and/or obtain your consent to the change (whether by written agreement, shall be resolved by arbitration under this Arbitration Provision and the applicable rules of the Administrator then in effect. We will not elect to arbitrate through the initiation of a Transaction after a specified date or through some other means). In such instances, those changes will be effective if, when any collection action we initiate or any individual action brought by you in small claims court or your state’s equivalent court, except if such action is and as stated in such notice. (iii) If permitted by applicable law, any changes may apply to your outstanding Account balance on the effective date of transferred, removed, or appealed to a different court the change as well as to any future balances created after that date. (iv) No change to any term of this Agreement will excuse your obligation to pay all (d) No Class Actions: Notwithstanding any language herein to the contrary, if you or we elect to arbitrate a Claim, neither you nor we will amounts owing under this Agreement. have the right to: (i) participate in a class action in court or in arbitration, either as a class representative, class member, or otherwise; (ii) act (b) Governing Law. Except as set forth to the contrary in the Arbitration Provision, any claim, dispute, or controversy arising from or relating to as a private attorney general in court or in arbitration; or (iii) join or consolidate Claims by or against you with claims by or against any other your Account or this Agreement, whether based in contract, tort, fraud, or otherwise and regardless of the place of your residence, is governed by, person, and the arbitrator shall have no authority to conduct any such class, private attorney general, or multiple-party proceeding. and construed in accordance with, federal and Delaware law without regard to Delaware conflict of laws principles. However, the applicable statute of (e) Location and Costs. Any arbitration hearing that you attend will take place in a location that is reasonably convenient for you. If you cannot obtain limitations period for all purposes under this Agreement (including the right to collect debt) will be the longer period provided by the law of Delaware or a waiver of the Administrator’s or arbitrator’s filing, administrative, hearing, and/or other fees, we will consider in good faith any request by you for us the jurisdiction where you live. to bear such fees. We will pay for our own attorneys, experts, and witnesses and will pay the reasonable fees and charges of your attorneys, experts, (c) Correspondence. All notices to us must be sent to Our Notice Address, with such attention as may be specified in this Agreement. To the extent and witnesses if you win the arbitration. Even if you do not win the arbitration, we will pay any of the Administrator’s or arbitrator’s filing, administrative, permitted under applicable law, any notice you send us will not be effective until we receive and have had a reasonable opportunity to act on such notice. hearing, and/or other fees, and the fees and charges of your attorneys, experts, and witnesses, if and to the extent we are required to pay such fees and Any written or electronic correspondence we send to you will, however, be effective and deemed delivered when mailed to you at your mail address charges by law or in order to make this Arbitration Provision enforceable. (or your email address if you have authorized electronic communications) as it appears on our records. If this is a joint account, you authorize us to (f) Arbitrator Selection. The arbitrator will be appointed by the Administrator in accordance with the rules of the Administrator. However, unless the send all communications to the phone, mailing address, or email address of the primary (first listed) accountholder and that this will be effective as to all parties agree otherwise, the arbitrator must be a retired or former judge or a lawyer with at least 10 years of experience. accountholders. You authorize us to share information about each accountholder with the other accountholders through these communications. (g) Discovery; Getting Information. In addition to the parties’ rights under the Administrator’s rules to obtain information prior to the hearing, either (d) Reporting Information to Credit Bureaus; Identity Theft. We may report information about your Account to other creditors, other financial party may ask the arbitrator for more information from the other party. The arbitrator will decide the issue in his or her sole discretion, after allowing the institutions, and credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. You other party the opportunity to object. have the right to dispute the accuracy of information we have reported. If you believe that any information about your Account that we have reported to a credit bureau is inaccurate, or if you believe that you have been the victim of identity theft in connection with your Account or in connection with any (h) Effect of Arbitration Award. Any court with jurisdiction may enter judgment upon the arbitrator’s award. The arbitrator’s award will be final and other loan or extension of credit made by us, write us at Our Notice Address, Attn: Fraud/Dispute. Please include your name, address, Account Number, binding, except for: (1) any appeal right under the Federal Arbitration Act, 9 U.S.C. §1 et seq. (the “FAA”); and (2) Claims involving more than $50,000. telephone number, and a brief description of the problem. If available, please include a copy of the credit report in question. If you believe that you For Claims involving more than $50,000, any party may appeal the award to a three-arbitrator panel appointed by the Administrator, which will reconsider have been the victim of identity theft, you should send us a police report or written statement in a form we provide you alleging that you are the victim anew any aspect of the initial award that is appealed. The panel’s decision will be final and binding, except for any appeal right under the FAA. The costs of identity theft for a specific debt. Once we receive such documentation, we will cease all debt collection activity until we have reviewed the materials, of any appeal will be borne in accordance with subsection (e) above, captioned “Location and Costs.” determined that the debt is still collectible, complied with all obligations under Section 12(x) and sent you a written notice describing the basis for our (i) Governing Law. This Agreement governs transactions involving interstate commerce and accordingly this Arbitration Provision shall be governed determination. by the FAA and not by any state law concerning arbitration. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitation and privilege rules that would apply in a court proceeding, and shall be authorized to award all remedies available in an 4 5 (e) Bankruptcy Notification. All bankruptcy notices and related correspondence to us must be sent to us at Our Notice Address, Attn: Bankruptcy Notice. (u) Multiple Cardholders and/or Guarantors. If there are more than one of you and/or one or more guarantors of your obligations under this Agreement, each of you and each guarantor is jointly and individually liable for all of your obligations under this Agreement. We may proceed against any (f) Notices of Change in Circumstances. You must notify us of any changes to your name, mailing or email address, home, cell or business phone or all of you and/or any or all guarantor(s), and may choose not to proceed against any or all of you and/or any or all guarantor(s), without losing any of number, employment, or income within 15 days. You can notify us by calling us toll-free at 888-728-1222 (401-824-3400 from outside the United States) our rights against any or all of you and/or any or all guarantors. and 7-1-1 captured for the hearing- and speech-impaired or their preferred relay service, or by writing us at Our Notice Address. (v) Security at ATM Facilities. Notice to New York residents: You should take precautions when using your Card (or any other credit or debit card) (g) Partial Payments Marked Payment in Full. Any check or other payment you send us for less than the total outstanding balance on your at an automated teller machine (“ATM”). (i) Under New York law, the activity of each ATM facility must be recorded by a surveillance camera or Account that is marked “payment in full” or with any similar language or that you otherwise tender as full satisfaction of a disputed amount cameras. (ii) You should close the entry door completely upon entering and exiting an ATM facility. (iii) You should not permit any unknown must be sent to Our Notice Address, Attn: Payment of Disputed Amount. We may deposit any such payment without such deposit effecting a persons to enter an ATM facility after regular banking hours. (iv) You should place withdrawn cash securely upon your person before exiting satisfaction of the disputed amount. the ATM facility. (v) Complaints concerning security in the ATM facility should be directed to the banking institution’s security department (h) Inadvertent Overcharges. It is not our intention to charge any interest charges, fees, or other amounts in excess of those permitted by applicable (our phone number for such complaints is 888-728-1222, 401-824-3400 from outside the United States, and 7-1-1 for the hearing- and speech- law or this Agreement. If any interest charge, fee or other amount is finally determined to be in excess of that permitted by applicable law or this impaired or their preferred relay service), or the New York State Department of Financial Services at 800-342-3736. The nearest available public Agreement, the excess amount will be applied to reduce the outstanding balance in your Account or, if there is no outstanding balance, will be refunded telephone should be used to call the police if emergency assistance is needed. to you. (w) NOTICE TO THE BUYER: 1) Do not sign this credit agreement before you read it or if it contains any blank space. 2) You are entitled to (i) Delay in Enforcement. We may at any time and in our sole discretion delay or waive enforcing any of our rights or remedies under this Agreement a completely filled-in copy of this credit agreement. or under applicable law without losing any of those or any other rights or remedies. Even if we do not enforce our rights or remedies at any one time, (x) Additional Notices. If you have any questions about this Agreement, please call 888-728-1222. In addition, you may contact the New we may enforce them at a later date. York State Banking Department to obtain a comparative listing of all credit card rates, fees, and grace periods. (New York State Banking (j) Unauthorized Use of Your Card or Account. You agree to promptly notify us if you believe that your Card has been lost or stolen or that someone Department, 800-342-3736, or visit their website at www.DFS.NY.gov). has used or may use your Card or Account without your permission by calling us toll-free at 888-728-1222 (401-824-3400 from outside the United States) and 7-1-1 captured for the hearing- and speech-impaired or their preferred relay service, or by writing to Our Notice Address, Attn: Fraud/Dispute. TO HELP PROTECT AGAINST THE UNAUTHORIZED USE OF YOUR CARD OR ACCOUNT, YOU SHOULD NEVER WRITE YOUR PERSONAL YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE. IDENTIFICATION NUMBER (PIN) ON YOUR CARD OR KEEP ANY WRITTEN RECORD OF IT ON ANY MATERIAL THAT IS KEPT WITH YOUR This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. CARD. You agree to assist us in determining the facts, circumstances, and other pertinent information related to any loss, theft, or possible unauthorized use of your Card or Account and to comply with such procedures as we may reasonably require in connection with our investigation, including the filing What to do if you find a mistake on your monthly statement. of one or more reports with the appropriate law enforcement authorities. Subject to applicable law, you acknowledge and agree that we may terminate If you think there is an error on your statement, write to us at: our investigation if you fail to provide us with any such assistance or to comply with such procedures, and we otherwise have no knowledge of facts confirming the unauthorized use of your Card or Account. In such circumstances, we will deem any such use as having been authorized by you and Credit Card Inquiries you will be liable for the amount of any Transactions plus interest charges and fees incurred with any such use. Subject to applicable law, you also Santander Bank acknowledge and agree that unauthorized Card or Account use does not include use of your Card or Account by any person to whom you have given MA1-MB3 01-09 authority to use your Card or Account, even if you have attempted to limit the scope of the authority you have granted to any Authorized User and such P.O. Box 841002 Authorized User has exceeded his or her authority. You will be liable for all use of the Account or any Card by any such Authorized User, even if that Boston, MA 02284 person uses the Account or Card in ways you did not intend. In your letter, give us the following information: (k) Verifications. We verify your age, Social Security number, residence, and other identifying information as required by applicable law and you • Account information: Your name and account number. agree to cooperate with such verification. You agree that we may verify your nancialfi or other information for the purpose of managing your account. • Dollar amount: The dollar amount of the suspected error. (l) Credit Reports; Evaluation of Financial Condition and Credit History. You understand and agree that we may obtain a consumer credit report • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. in connection with your request for credit and in connection with any updates, renewals, or extensions of any credit and report on you and You must contact us: your account to the bureaus and as authorized by law. If you ask, you will be informed whether or not such a report was obtained and, if so, the name and address of the agency that furnished the report. You understand and agree that we may obtain a consumer credit report in • Within 60 days after the error appeared on your statement. connection with the review or collection of any Transaction made by you or for other legitimate purposes related to such Transactions. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential errors and you may (m) Account Settlements. Any settlement of your Account balance for less than what is owed requires our written agreement. have to pay the amount in question. (n) Telephone Monitoring and Recording and Contact Information. You agree that we may monitor, record, retain, and reproduce any calls or any What will happen after we receive your letter. other communications between you and us, regardless of how transmitted to us, for training, quality control, evidentiary, and other purposes. However, When we receive your letter, we must do two things: we are not under any obligation to monitor, record, retain, or reproduce such items, unless required to do so by applicable law. If we need to contact you to service your Account or to collect amounts you owe to us, you authorize us (and our affiliates, agents, and contractors) to contact you at any number 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. (i) you have provided to us, (ii) from which you called us, or (iii) which we obtained and believe we can reach you at. We may contact you in any way, 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. such as calling, texting, or email. We may contact you using an automated dialer or using pre-recorded messages. We may contact you on a mobile, While we investigate whether or not there has been an error (and until we have complied with our obligations above): wireless, or similar device, even if you are charged for it by your provider. You also authorize us to contact you for marketing purposes using the primary contact telephone number you provided to us, whether that is a home phone, wireless, or similar device, even if you are charged for it by your provider, • We cannot try to collect the amount in question, or report you as delinquent on that amount. unless you separately instruct us not to call that phone number. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. (o) Third-Party Claims or Defenses. Except as otherwise provided in this Agreement or as required by applicable law (see Section 12[x]), we will not • We can apply any unpaid amount against your credit limit. be responsible for any claim or defense you may have against any third party that arises out of or in connection with any Transaction. After we finish our investigation, one of two things will happen: (p) Assignment. You may not sell, assign, or transfer your Account or Card or any of your rights and obligations under this Agreement. However, we may sell, assign, or transfer your Account, or any balance due thereunder, and/or any of our rights and obligations under this Agreement, to another • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. bank or other third party without prior notice to or consent by you. Should we do so, then to the extent of any such sale, assignment, or transfer, that bank • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a or third party will take our place in this Agreement. statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. (q) Severability. Except as provided otherwise in the Arbitration Provision, if any provision of this Agreement is deemed to be void or unenforceable by a court of competent jurisdiction or any governmental agency, that provision will continue to be enforceable to the extent permitted by that court If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, or agency, and the remainder of that provision will no longer be considered as part of this Agreement. All other provisions of this Agreement will, however, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported remain in full force and effect. you as delinquent, and we must let those organizations know when the matter has been settled between us. (r) Section Headings. The section headings used in this Agreement are for convenience of reference only and do not in any way limit or define your If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. or our rights or obligations hereunder. (s) Entire Agreement. You acknowledge that this Agreement (which includes your Card Carrier) constitutes the entire agreement between you and us with respect to the Account and the Card, and supersedes and may not be contradicted by evidence of any prior or contemporaneous written or oral communications and understandings between you and us concerning the Account and the Card. (t) Security. Notwithstanding any language in any other agreement to the contrary, the Account and your performance under this Agreement are not secured.

6 7 Your rights if you are dissatisfied with your credit card purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Credit Card Inquiries Santander Bank MA1-MB3-01-09 P.O. Box 841002 Boston, MA 02284 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Santander Bank, N.A.

Jason Hardgrave Executive Vice President

BRAVO® CREDIT CARD AGREEMENT (RETAIL INSTALLMENT CREDIT AGREEMENT) PART 2 OF 2

Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of , S.A. ©2020 Santander Bank, N.A. All rights reserved. Santander, Santander Bank, the Flame Logo and Bravo are trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. Mastercard is a registered trademark of Mastercard International Incorporated. All other trademarks are the property of their respective owners. 385201_1799622 BC_AGR 03/2020